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NYCU-Do You Really Need Life Insurance? It Depends


  August 2012
News You Can Use
Brought to you by Cody Biggs
A Acadian Assurance Inc/ Brad Thibodaux and Associates Inc
12605 S. Harrell’s Ferry Rd.
Suite #8
Baton Rouge, LA

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Recipe: Cuban Beef Picadillo

Serves 5
  • 2 tablespoons olive oil
  • 1 cup chopped onion
  • 3 cloves garlic, minced
  • 1 pound ground beef
  • Salt and pepper, to taste
  • Worcestershire sauce, to taste
  • 2 tablespoons tomato paste
  • 1 cup beef stock
  • 1/4 cup white wine
  • 1 bay leaf
  • 1/4 teaspoon dried oregano
  • 1/8 teaspoon cumin
  • 1/2 cup raisins, roughly chopped
  • 1/2 cup pitted green olives, roughly chopped
  • 1/2 tablespoon white vinegar
  • Chopped fresh cilantro

Heat oil in a pan and add onion and garlic until softened. Add beef and cook until it is broken up and begins to brown. Season meat with salt, pepper and Worcestershire, then stir in tomato paste. Add stock, white wine, bay leaf, oregano and cumin.

Simmer uncovered about 5 minutes. Stir in raisins, olives and vinegar, then cover and continue to simmer for another 20 minutes, stirring occasionally. Taste for extra seasoning and remove bay leaf. Garnish with cilantro.

Worth Quoting

This month, some famous quotes on the subject of summer:

In the depth of winter, I finally learned that within me there lay an invincible summer.

Albert Camus

Summer afternoon, summer afternoon: the two most beautiful words in the English language.

Henry James

The summer night is like a perfection of thought.

Wallace Stevens

In summer, the song sings itself.

William Carlos Williams

Shall I compare thee to a Summer’s day?
Thou art more lovely and more temperate:
Rough winds do shake the darling buds of May,
And Summer’s lease hath all too short a date…

William Shakespeare

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Do You Really Need Life Insurance? It Depends

Life insurance is designed to protect those who depend on you for financial support.

Here are some tips that may help you decide if life insurance is the right choice for you.

Children: Children do not necessarily need life insurance, since no one depends on their income.  It might be a good idea to get it on children to cover burial expenses or to start a whole life policy that will build cash value and be something inexpensive they can keep for life.

Young single adults: If you’re newly independent, the only reason you would need life insurance is to pay your funeral costs or support an elderly parent.  We can also use life insurance to create a tax free retirement or savings account for you.

New families: Do you really need life insurance if you’re newly married? If you are both earning incomes and one spouse could manage financially if the other dies, then you may need life insurance only to cover funeral costs. However, if you’re thinking of starting a family, you should seriously consider getting life insurance now; the rates will likely be cheaper now than when you are older.

Established families: If you have a family that depends on your income – whether it’s a spouse, children or aging parents – you do need to provide for them. Be aware that life insurance isn’t just for the partner who works outside the home; not insuring the person who handles the household chores and child care could result in severe financial hardship for the remaining spouse.

Seniors: Life insurance at this stage may not be necessary. If you don’t have anyone who depends on your income for support, and if you are able to cover your funeral expenses, you likely can avoid life insurance.

If you decide you do need life insurance, note that it costs more the older you get.

You may want to purchase life insurance when you’re younger; however this depends on your individual circumstances.

So before buying, discuss your needs with an advisor who is familiar with your situation.

Are You a Procrastinator? Find Out How to Change

ClockThere are more distractions today than ever before, thanks to the influence of the Internet. Facebook, Twitter and Pinterest are among the online time wasters that lure us from the task at hand. But here’s the disconnect: even as the opportunities for procrastination grow, so does the demand for fast, creative, motivated workers.

So why do we procrastinate? Some experts, like Joseph Ferrari, associate professor of psychology at Chicago’s DePaul University, believe we procrastinate because we were overregulated as children or because we feel anxious about a task. But virtually all authorities on the subject agree that procrastinators are made, not born. Procrastination is a learned behavior that can be changed.

Making a to-do list can be a great first step in managing procrastination. Cross each item off as you complete it.

Knowing what your biggest distractions are can help you avoid them. If you check email every five minutes, try to reduce it to a few times an hour. If you feel compelled to read and reply to every text message you receive, put your phone out of reach.

Look at your work environment. Get rid of clutter, hang or post items that inspire you, and find a spot to keep your to-do list in plain sight. If you find yourself procrastinating regularly, you might want to consider talking to a therapist. Professional advice can help you determine what’s at the root of your procrastination and eliminate it.

You Can Defer Taxes by Purchasing an Annuity

A major benefit of choosing an annuity as a retirement savings vehicle is tax deferral, which is simply the means by which the payment of taxes on certain assets can be delayed until some future date. Here’s why tax deferral can be beneficial.

Tax-deferred assets, such as investments in annuities, grow untaxed, meaning that interest earned on the investments in the annuity appreciates until they are withdrawn.

That’s called compounding. Compounding is the process by which the money you make from an investment can be reinvested to make even more money. As a hypothetical example, let’s say you have invested $10,000 and it earns interest of 10% per year. In the first year, you will earn $1,000 in interest. But in the second year, you will earn $1,100 in interest. Why? Because not only does your initial investment of $10,000 accrue interest, but so does the additional $1,000 you earned in the first year.

Because your investment isn’t reduced by income taxes every year, you experience potentially higher overall returns in your annuity’s accumulation phase.

It’s also important to note that through tax deferral you may receive a lower tax rate upon withdrawal. Since you probably will not withdraw the assets you’re accumulating in your annuity until later in life (when you may be in a lower tax bracket), you also may minimize the taxes you have to pay when you withdraw your investment.

Your advisor can help you determine if an annuity is a good tax-deferred investment vehicle for you.

The legal and tax information contained in this article is merely a summary of our understanding and interpretation of some current provisions of tax law and is not exhaustive. Consult your legal or tax counsel for advice and information concerning your particular circumstances. Neither we nor our representatives may give legal or tax advice.

We Can All Learn From the Introverts in Our Lives

Woman on couch We all have at least one in our lives – they’re quiet and enjoy time alone, and frankly, they’re a little bit different from us bubbly extroverts. Not to say that’s a bad thing.

Psychologist Carl Jung, who coined the terms introvert and extrovert, was the first to develop the theory that society comprises two types of people. While extroverts thrive on and revel in the chance to be social (they often think everyone else feels this way too), introverts enjoy the time they have to themselves. They’re not antisocial; introverts are simply wired differently. As in most things, there are two sides to this introvert-extrovert story. Here are a few common misconceptions:

Myth #1: Introverts Are Shy. Being shy isn’t the same as being an introvert. Introverts need a reason to interact – they’re not going to talk just for the sake of talking. So you’ll have to start the conversation.

Myth #2: Introverts Are Rude. In general, introverts don’t beat around the bush. Exchanging social pleasantries may not be their thing. Don’t be offended by their open and honest approach.

Myth #3: Introverts Don’t Like to Go Out in Public. Introverts don’t cringe at the sight of a crowd – they like to interact with others – just not for too long. Introverts take in experiences quickly and then need time to recharge.

In today’s fast-paced society, extroverts may actually be envious of introverted friends who are comfortable spending time alone. In fact, we extroverts may actually learn something from the introverts in our lives.

Major Medical Insurance: Just What the Doctor Ordered?

When shopping for health insurance coverage, there are a number of different options available in the market today.

Major medical insurance is one of these options, and depending on your individual situation, it may be just what the doctor ordered.

Major medical insurance offers coverage up to a set limit for serious medical-related expenses. Typically it requires that a deductible and/or a co-insurance amount be satisfied before any benefits are paid out.

As the insured on a major medical policy, you are protected by a provision that places a maximum limit on the total out-of-pocket expenses you’ll be responsible for in a given year.

Once this limit has been satisfied, the insurance policy will begin to compensate you for 100% of your medical expenses. This is especially beneficial in cases where a serious illness or accident results in the need for significant medical and/or rehabilitative services covered under the policy.

Prior to the Patient Protection and Affordable Care Act, signed into law in 2010, major medical policies were allowed to set an annual limit on the dollar amount of spending for covered benefits.

While these plans are no longer allowed to impose this limit, it is important to note they may still place an annual dollar limit – as well as a lifetime dollar limit – on coverage for services that are not considered to be “essential”. Generally, however, the new health care legislation prohibits major medical insurance policies from placing a lifetime dollar limit on most of the benefits you enjoy.

What to Consider When Insuring Your College Student

With all the responsibilities that come with becoming a college student, such as studying, writing papers and adjusting to the freedom of being on one’s own, it’s likely the last thing on your student’s mind is health insurance.

Yet because accidents and illnesses occur – even to young and healthy individuals – having the appropriate amount of coverage is essential.

One option is to add your student to your own health insurance policy; however, this type of coverage may have limitations if he or she attends college out of state.

Another option would be to obtain health insurance through his or her college or university, something some schools offer to their students. This coverage is often very affordable, which is particularly beneficial to students on a limited budget.

However, these policies may cover only those health-related services that are provided at the on-campus medical facility.

As well, if the student leaves school, the coverage will be terminated. It’s important to have a thorough understanding of what is and isn’t covered, and you and your student should read the fine print carefully.

Stand-Alone Plans Are Portable

As alternatives to the options above, a college student in search of health insurance may opt for a stand-alone health insurance plan.

By going this route, your student can select benefits that more closely match his or her needs.

These types of policies are also portable, meaning that the coverage will stay with the student regardless of whether he or she is still attending school.

Another solution is a temporary or short-term health insurance policy. These plans typically provide coverage for up to 12 months, and the benefits can be very thorough. This can be an ideal option for students who will be graduating soon and expect to be covered under an employer’s health insurance plan in the near future.


This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter.
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A Acadian Assurance Inc /Brad Thibodaux and Associates Inc
12605 S. Harrell’s Ferry Rd.
Suite #8
Baton Rouge, Louisiana 70816